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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $15,392 | $97,020-84.1% | $83,322-81.5% | $135,379-88.6% |
| Participation rate | 90.9% | 80.4%+10.5pp | 77.8%+13.2pp | 82.6%+8.3pp |
| Annual return | -17.03% | 12.31%-29.3pp | 10.64%-27.7pp | 519.79%-536.8pp |
| Employer contribution / active EE | $7,760 | $4,144+87.3% | $3,379+129.7% | $4,779+62.4% |
| Participant deferral / active EE | $10,071 | $5,964+68.9% | $5,565+81.0% | $5,609+79.6% |
| Admin fee / account holder | $357 | $8,426-95.8% | $7,540-95.3% | $10,828-96.7% |